House construction financing possible in the coming years - experiences?

I also find a lot here odd, especially constantly considering one's own situation as the ideal standard and finding every other life plan odd.

I would never even think to say "I bring in more money, so I should own more of the house"

But in the event of a divorce, that can very quickly look completely different.

The main problem with the matter is that if someone brings in financially less or nothing due to the care of shared(!) children and yet one operates finances separately or distributes assets according to salary, it becomes (usually for the women) very unfair. And in general, there is a difference between "multiple accounts for different types of income/expenses but joint financial management" and "multiple accounts and separate financial management." The latter offers many possibilities for unfair constellations within a family.

I have to wonder what’s going on here. We are talking about 2 accounts at German banks, which the tax office and also the court can look at, block, or seize if necessary. This is not about one spouse having an anonymous account in Switzerland...

On the other hand, it is naive to think a joint account protects the woman raising the children. Such an account can be emptied in no time and the money transferred to Switzerland...

By the way, besides the Düsseldorfer Tabelle, which is for the children, there is also a Bremer Tabelle that regulates pension claims. If the woman enforces that during the divorce, the average-earning ex-husband often has nothing left but the subsistence minimum…

So, basically, no one can really complain. The woman gets money for the children and the pension, and the man wanted the children too and has to pay... he can also deduct the payments from his taxes.

Unfortunately, there are plenty of cases where no one really thought about the fact that a situation with separate accounts and children can suddenly lead to absurd and not at all partnership-based situations, when the man spends money on expensive hobbies or a luxury watch while the woman has to dip into her savings to go to the hairdresser or buy a new winter jacket, because the parental allowance unfortunately is not enough once half the rent/loan installment and half the additional costs are deducted, and then groceries, insurance, etc. also need to be paid for, and the own car is also the own beer, etc. This is what I was referring to, and unfortunately these are not extreme isolated cases.

With the risk of making myself unpopular now: Of course, you are all somehow right, but I just want to put out there that there are certainly couples out there with "significant" salary differences. An extreme case known to me: He is a CEO, she is a cleaning lady. Sure, she hasn’t worked for a long time. But the lower salary has nothing to do with her giving up her career because of raising the children. In such a constellation, I would honestly also be crazy to have 50:50 registered in the land register.

It is of course somewhat different when, for example, both are academics and actually suffer disadvantages due to the break, although nowadays I can hardly imagine that. We know (career) mothers who were at 75% after 6 months and back to 100% at 12 months. That resulted in exactly 0.0 disadvantage. I suspect children are often simply used as an excuse here why one couldn't pursue a career. But that is just my opinion…